Call reports 2014
CITIZENS BANK OF SWAINSBORO, THE — 2014
What CITIZENS BANK OF SWAINSBORO, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 152,137,000 | 149,132,000 | 148,440,000 | 153,475,000 |
| Total loans | 101,418,000 | 104,036,000 | 104,614,000 | 102,279,000 |
| Allowance for loan losses | 3,325,000 | 3,230,000 | 3,328,000 | 3,300,000 |
| Securities available for sale | 22,573,000 | 22,394,000 | 23,156,000 | 23,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,200,000 | 132,698,000 | 131,534,000 | 136,098,000 |
| Interest-bearing deposits | 110,563,000 | 108,371,000 | 106,782,000 | 111,031,000 |
| Noninterest-bearing deposits | 25,637,000 | 24,327,000 | 24,752,000 | 25,067,000 |
| Equity capital | 14,510,000 | 14,926,000 | 15,302,000 | 15,880,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,692,000 | 3,432,000 | 5,171,000 | 6,951,000 |
| Interest expense | 148,000 | 305,000 | 455,000 | 601,000 |
| Net interest income | 1,544,000 | 3,127,000 | 4,716,000 | 6,350,000 |
| Noninterest income | 262,000 | 599,000 | 914,000 | 1,221,000 |
| Noninterest expense | 1,152,000 | 2,320,000 | 3,527,000 | 4,713,000 |
| Provision for loan losses | 125,000 | 245,000 | 375,000 | 575,000 |
| Pretax income | 534,000 | 1,166,000 | 1,744,000 | 2,310,000 |
| Income tax | 186,000 | 413,000 | 615,000 | 797,000 |
| Net income | 348,000 | 753,000 | 1,129,000 | 1,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,806,000 | 14,988,000 | 15,363,000 | 15,741,000 |
| Total capital | 16,022,000 | 16,227,000 | 16,613,000 | 16,966,000 |
| Risk-weighted assets | 95,158,000 | 97,107,000 | 97,895,000 | 95,937,000 |